Maybe an insurance company person could comment. On the thread about the gentleman protecting his family - Sorry to see it happen to him. But if it comes to some damages where you would look for insurance to clean up damages if they were extensive. ( Broken windows, doors, blood clean up , replacement of carpet - what ever might occur) Does anything happen to the property owner - in terms of denying or cancelling insurance because he used a gun to protect himself?? Obviously the chances of recovering cost from the criminal are pretty small. Just curious - I just renewed my insurance after moving and in going through it - I did not realize that Theft was not an automatic coverage - but an added endorsement ( Translate $$). Really surprised what a basic policy covers vs different versions and how much stuff is covered by "Endorsements". Means every time someone sues and wins - the insurance companies provide additional "Endorsements" to cover that incident. If anyone could comment _ I would appreciate it. I assume Liability would cover any issues if the criminal tried to sue? General Liability ? Umbrella Liability?